Augustine Homes will be your personal homebuilder, providing the one-on-one support you need to make the most of the buying experience. Start here and when you're ready, our team is waiting to assist you. From choosing your favorite floorplan through the first year in your new home, we'll be your partner all the way.
Our award-winning design consultant is an expert in bringing out the decorator within. Your Design Center experience is an invitation to draw on color, texture and finish to create a home uniquely yours.
Create a gourmet kitchen with appliances in black, white or stainless steel. Select your favorite from six levels of cabinets and a wide selection of countertops in granite and laminate.
You'll choose ceramic or porcelain tile in some spaces while in others you'll select hardwood floors — oak, maple, walnut, hickory or yellow birch. When you want carpet, we have hundreds of colors and textures of plush, berber and frise.
Show off your unique style with your selections from a variety of colonial molding and trim packages.
From lighting to faucets, you'll choose from a diverse selection of designer fixtures that fit your home's style.
Enhance your fireplace with a slate, stone or granite surround, and choose from one of several available mantle styles.
The Design Center is currently open by appointment only.
Take an honest look at your finances and decide how much you want to pay each month. Knowing that figure will help you make smart decisions throughout the process.
Homebuyers often need to sell their current home before purchasing their next one. We can connect you with professionals who can help find a buyer for your home.
Once you've been pre-approved for your loan, Augustine Homes will work closely with you and your lender to ensure a smooth buying experience. We'll clearly communicate each step in the process and let you know what to expect right up to closing day and beyond.
A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, the interest and property taxes you pay are tax deductible. The value of your home may also go up over the years. And finally, you'll enjoy having something that's all yours — a home where your personal style will tell the world who you are.
Well, that depends on a number of factors, including the cost of the home and the type of mortgage you get. In general, you need to come up with enough money to cover the down payment, a percentage of the cost of the home that you must pay when you go to settlement, and closing costs, the costs associated with processing the paperwork to buy a house. The more money you can put into your down payment, the lower your mortgage payments will be.
You can finance a home with a loan from a bank, a savings and loan, a credit union, a private mortgage company, or various state government lenders. Shopping for a loan is like shopping for any other large purchase: you can save money if you take some time to look around for the best prices. Different lenders can offer quite different interest rates and loan fees, and a lower interest rate can make a big difference in how much home you can afford.
Most loans have 4 parts — principal, interest, homeowners insurance and property taxes. Most loans are for 30 years, although 15 year loans are available, too. During the life of the loan, you'll pay far more in interest than you will in principal — sometimes two or three times more! Because of the way loans are structured, in the first years you'll be paying mostly interest in your monthly payments. In the final years, you'll be paying mostly principal.
Basically, you'll sit at a table with your broker, a representative for the homebuilder and a closing agent. The closing agent will have a stack of papers for you and the homebuilder to sign. Before you go to closing, your lender is required to give you a booklet explaining the closing costs, a "good faith estimate" of how much cash you'll have to supply at closing, and a list of documents you'll need at closing. If you don't get those items, be sure to call your lender BEFORE you go to closing.